Best super returns in a generation, Year in review, Income for life, 6-member SMSFs, Age-based super rules, Your best contributions strategy
Highlights of the July 2021 edition of the SuperGuide newsletter include:
- A SUPER COMEBACK: Super fund returns returned 18% last financial year, highlighting the importance of staying invested.
- FROM GLOOM TO BOOM: The 2020-21 financial year kept investors on the edge of their seats, as the economy and markets staged a dramatic recovery from recession.
- CALL AND RESPONSE: Retirees have been calling for guaranteed income for life, and more super funds are answering the call.
- GREEN LIGHT FOR 6-MEMBER FUNDS: SMSFs now have more flexibility to gather the extended family in one fund. What could possibly go wrong?
- SUPER FOR THE AGES: From your teens to your 70s, our guides will help you make the most of the super rules whatever your age.
- MIX AND MATCH SUPER CONTRIBUTIONS: Finding the right mix of before and after-tax contributions can make a big difference to your retirement savings. We explain how.
SUPER NEWS
Pandemic has long-lasting impact on older Australians, Intergenerational report forecasts doubling in older Australians, Hostplus to grow through more mergers, LUCRF Super teams up with AustralianSuper, Super funds make bid… Read more.
Pandemic has long-lasting impact on older Australians, Intergenerational report forecasts doubling in older Australians, Hostplus to grow through more mergers, LUCRF Super teams up with AustralianSuper, Super funds make bid… Read more.
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
Super funds went above and beyond in 2024, with the median Growth fund up 11.4% and even the most conservative investment options performing strongly. Read more.
Super funds went above and beyond in 2024, with the median Growth fund up 11.4% and even the most conservative investment options performing strongly. Read more.
After a nail-biting start to the year, super funds are on track for another cracking return of about 9% for the 2025 financial year, after the median Growth fund was up… Read more.
After a nail-biting start to the year, super funds are on track for another cracking return of about 9% for the 2025 financial year, after the median Growth fund was up… Read more.
It’s been a long time coming, but more super funds are now, or soon will be, offering retirement products that reduce the risk of outliving your savings. Here’s what’s on… Read more.
It’s been a long time coming, but more super funds are now, or soon will be, offering retirement products that reduce the risk of outliving your savings. Here’s what’s on… Read more.
Our video review demonstrates how to use the ATO super fund comparison tool to shortlist products you may wish to consider. Read more.
Our video review demonstrates how to use the ATO super fund comparison tool to shortlist products you may wish to consider. Read more.
SMSFs
After the coronavirus recession of early 2020, the strength of the economic recovery and investment returns defied all expectations, in a good way. Read more.
After the coronavirus recession of early 2020, the strength of the economic recovery and investment returns defied all expectations, in a good way. Read more.
The increase in contribution caps from 1 July provides opportunities for SMSFs to potentially get up to $57,500 tax-deductible contributions into their super this financial year. Here’s how. Read more.
The increase in contribution caps from 1 July provides opportunities for SMSFs to potentially get up to $57,500 tax-deductible contributions into their super this financial year. Here’s how. Read more.
SUPER RULES
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75. Read more.
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75. Read more.
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what. Read more.
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what. Read more.
Your first job can be exciting, but it’s important to remember your weekly pay could come with super contributions, so here’s the rules applying in your teens. Read more.
Your first job can be exciting, but it’s important to remember your weekly pay could come with super contributions, so here’s the rules applying in your teens. Read more.
SUPER CONTRIBUTIONS STRATEGIES
Growing your retirement savings needs the right mix of super contributions. Some case studies may help you start thinking about what’s right for you. Read more
Growing your retirement savings needs the right mix of super contributions. Some case studies may help you start thinking about what’s right for you. Read more
It can be confusing to understand all the different types of super contributions. But it’s worth learning the main types and what each one offers you. Read more.
It can be confusing to understand all the different types of super contributions. But it’s worth learning the main types and what each one offers you. Read more.
Making a tax-deductible super contribution can be a great way to boost your retirement savings. Find out whether they could be the right strategy for you. Read more.
Making a tax-deductible super contribution can be a great way to boost your retirement savings. Find out whether they could be the right strategy for you. Read more.
By directing some of your pre-tax income to super, you not only boost your retirement savings but save tax at the same time. Read more.
By directing some of your pre-tax income to super, you not only boost your retirement savings but save tax at the same time. Read more.
If you haven’t used all your concessional contributions cap in recent years you can play catch-up and get a handy tax concession to sweeten the deal. We explain how. Read more.
If you haven’t used all your concessional contributions cap in recent years you can play catch-up and get a handy tax concession to sweeten the deal. We explain how. Read more.
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules. Read more.
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules. Read more.
Couples who plan together succeed together. Learn how paying attention to your spouse’s super could maximise your opportunities. Read more.
Couples who plan together succeed together. Learn how paying attention to your spouse’s super could maximise your opportunities. Read more.
Learn how investing a sudden financial gain in super can pay off, with detailed case studies and a look at important restrictions. Read more.
Learn how investing a sudden financial gain in super can pay off, with detailed case studies and a look at important restrictions. Read more.
Find out how a recontribution strategy can decrease tax for your beneficiaries and help you and your spouse share super balances more evenly. Read more.
Find out how a recontribution strategy can decrease tax for your beneficiaries and help you and your spouse share super balances more evenly. Read more.
If a high super balance is limiting your ability to get more into the tax effective super environment, there are ways to reduce your balance and maximise contributions at the… Read more.
If a high super balance is limiting your ability to get more into the tax effective super environment, there are ways to reduce your balance and maximise contributions at the… Read more.
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have. Read more.
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have. Read more.